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2023-12-31-accounts

The Anchor Society CIO

Trustees’ report and unaudited financial statements for the year ended 31 December 2023

Charity registration number 1167933

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Contents

Page
Report of the Trustees 1
Statement of Trustees’ responsibilities 5
Report of the Independent Examiner 6
Statement of financial activities 7
Balance Sheet 8
Notes 9

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Trustees’ Report

The Trustees present their report and the financial statements of the charity for the year ended 31 December 2023. The Anchor Society CIO (‘The Society’) is a Charitable Incorporated Organisation and was registered with the Charity Commission on 29[th] June 2016.

The trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019).

Reference and administrative details

The Anchor Society CIO is registered with the Charity Commission, number 1167933.

Registered address Bennetts Solicitors
Barley Wood Stables,
Long Lane
Wrington
Bristol BS40 5SA
Office address 29 Alma Vale Road
Clifton
Bristol BS8 2HL
Independent examiner Lawes & Co UK Limited
Boyce’s Building
40-42 Regent Street
Clifton
Bristol BS8 4HU
Solicitors Bennetts Solicitors
Barley Wood Stables,
Long Lane
Wrington
Bristol BS40 5SA
Bankers HSBC UK Bank Plc
62 George White Street
Cabot Circus
Bristol BS1 3BA
Investment advisers Brewin Dolphin Ltd
40 Queen Square
Bristol BS1 4QP
Evelyn Partners Investment Management LLP
Portwall House
Portwall Lane
Bristol BS1 6NA
Chief Executive RN Pendlebury (to December 2023)
EG Collier (from January 2024)

1

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Trustees’ Report (continued)

Trustees

The following served as Trustees during the year:

JJ Lacey President 2021-22 (resigned 15 November 2023) JC Oakland President 2022-23 ODL Delany President 2023-24 (appointed 26 April 2023; resigned 6 February 2024) RP Kennedy President 2024 SB Mills President 2024-25 (appointed 15 November 2023) HL Wallington Hon Secretary RE Evans Hon Treasurer WHR Durie BJ Hanson RB Pitter

Structure and Governance

The charity is controlled by its governing document, the Constitution, and is managed by the Trustees, who comprise the Honorary Secretary and Honorary Treasurer, the current President of the Society, the immediate past President and the President designate, together with additional trustees. The Trustees are empowered by its constitution to appoint additional trustees.

Training is assured by the succession process involved in the President's appointment. All Executive members, whether Trustees or Secondees, are appointed from the Society's membership and are assessed by the Executive as having the required skills and experience to fulfil their responsibilities. The Chief Executive holds a manual of procedure of the Society which is available to all Trustees. Decisions are made by the Trustees who meet on a quarterly basis.

Objectives and activities for the public benefit

The Anchor Society was formed as an unincorporated charity in 1769 and was registered with the Charity Commission (No 208756). The Anchor Society CIO (The Society) was entered on the Register of Charities on 29[th] June 2016 (No 1167933). On 31 December 2016, The Anchor Society CIO acquired the assets and liabilities of The Anchor Society.

The Society assists people over 55 in need within Bristol and the surrounding area in a number of ways. It provides financial assistance through the payment of regular and single payment grants to assist with urgent personal needs. The Society often also makes one-off payments in the winter months to assist with heating expenses. The Society operates a befriending service that is provided by volunteers. Grant applications are considered by a committee of Trustees and are made on their merit.

The Society is involved in the development of sheltered housing and day care provision for older people in the city. New Anchor House in Knowle provides 21 flats and was developed by the Society in conjunction with the Guinness Trust who manages the property. The freehold reversion remains with the Society and the Guinness Trust have a long lease. The Society was also involved with Guinness in the development of Southlands residential care home in Knowle and Lincolns Gardens in Redfield. Both properties are owned and managed by the Guinness Trust, and the construction of the Day Care Centres at both Southlands and Lincolns Gardens was financed by long-term loans from the Society.

The development of affordable housing at Coopers Close in Lawrence Weston was completed in 2013. It is a development of eight chalet bungalows providing sheltered accommodation for the elderly on a long-leasehold tenure; the bungalows are owned either outright or on a shared-equity basis with the Society. The development is adjacent to Blaise Weston House, a residential care home operated by Hanover.

The charity’s trustees have complied with the duty in section 17(5) of the 2011 Charities Act to have due regard to guidance published by the Charity Commission on public benefit.

2

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Trustees’ Report (continued)

Review of developments, activities and achievements

The principal fundraising event in the year is the President’s collection, which in 2023 raised over £100,000. This is directed towards the Society's traditional activity which is to support older people in need, either by way of regular grants or specific, small emergency grants towards urgently needed improvements or repairs to their homes.

Key strands of the Society’s strategy are to:

Grants to individuals

The cost of living crisis means that we are finding a higher demand for our grants for older people facing severe poverty. We are supporting increasing numbers of people needing furniture, white goods and carpets, particularly when moving into sheltered accommodation. We work closely with our referrers to ensure those in real need are supported.

During the year we made over 100 emergency grants to individuals in need. These grants were predominantly given for flooring and white goods, to those in need experiencing financial hardship. 61% of our grants were given to those aged 55-64, 24% to those aged 65-74 and the final 15% to those aged over 75.

Our work with St Monica Trust allowed us to fund boilers to nine vulnerable people in need, where no other scheme was appropriate.

This year we gave £95,037 in grants to individuals, an increase of £44,052 over last year.

Fuel poverty

The increase in energy costs has created a demand for additional support. We take a twofold approach.

Improving the lives of older people through partnerships

Bristol Older People’s Funding Alliance partnership

We are pleased to be working with a number of different grant-giving charities in Bristol through the Bristol Older People’s Funding Alliance (BOPFA).

3

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Trustees’ Report (continued)

This year, along with our partners, we supported the following projects:

Other partnership working

The Society is committed to improve the wellbeing of older people and this involves a range of interventions.

Intergenerational Housing

For the last 3 years the Society has been involved in a project with All Saints Church Lands Charity to create an intergenerational housing complex. The project is based on an internationally renowned centre in Alicante, Spain. This year, we are pleased to report that an application for planning permission has been made for building 40 homes in the centre of Bristol.

Technology

The Society continues its interest in the work of the Bristol Robotics Laboratory (BRL) based at the University of the West of England through the Anchor Assisted Living Laboratory. The Laboratory which was created over 8 years ago continues to be a base of research for the use of technology to improve the lives of older people. This year our trustees and members had the opportunity to see this important work first hand at an evening symposium.

4

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Trustees’ Report (continued)

Financial review

On 31[st] December 2023, the unrestricted reserves of the Society, which stand at £4,585,092, are mostly invested in long term, designated schemes (£3,651,353). Its general reserves amounted to £933,739. In addition, there were restricted funds of £48,976. The level of reserves held by the Society is reviewed at each meeting of the Trustees. They aim to ensure that there are sufficient reserves to meet any shortfall in future income, which due to its voluntary nature, is uncertain and to meet any unforeseen circumstances.

The Society’s principal funding sources are the President’s collection, which is held annually during November, and income from investments.

During 2023, the global financial position has been influenced by the conflict across the world, the energy crisis and the aftermath of the pandemic. During the year, the value of charity’s listed investments increased by £57,784, which the trustees consider satisfactory. The investment strategy is reviewed regularly, at least every three years.

The Society reviews the level of cash and investments held at each meeting of the Trustees to ensure there are sufficient liquid funds to meet its commitments over the coming 12 months.

It is planned to continue the existing policy of assisting those in need by the making of small grants.

Risk management

The Trustees have a duty to identify and review the risks to which the charity is exposed and to ensure proper controls are in place to provide reasonable assurance against fraud and error. Risks and their management are formally reviewed every year.

Within the charity the Trustees manage and act on the strategic risks while the CEO manages the operational risks. High scoring risks, those with a high likelihood and impact are actively managed. The key risks to the charity identified are:

5

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Trustees’ Report (continued)

Statement of trustees’ responsibilities

The trustees are responsible for preparing the Report of the Trustees and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales, the Charities Act 2011, Charity (Accounts and Reports) Regulations 2008 and the provisions of the Constitution requires the Trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, including the income and expenditure, of the charity for that year. In preparing those financial statements, the trustees are required to:

The Trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and to enable them to ensure that the financial statements comply with the Charities Act 2011, the Charity (Accounts and Reports) Regulations 2008 and the provisions of the trust deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The Trustees are responsible for the maintenance and integrity of the charity and financial information included on the charity’s website in accordance with legislation in the United Kingdom governing the preparation and dissemination of financial statements.

Approved by order of the Board of Trustees on 23[rd] April 2024 and signed on its behalf by:

RP Kennedy President and Trustee

6

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Report of the independent examiner to the Trustees of The Anchor Society CIO

I report to the charity trustees on my examination of the accounts of The Anchor Society CIO (‘the Trust’) for the year ended 31 December 2023.

Respective responsibilities of trustees and examiner

As the charity trustees of the Trust you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the Trust’s accounts carried out under section 145 of the Act and in carrying out my examination I have followed all applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner’s statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the Trust as required by section 130 of the Act; or

  2. the accounts do not accord with those records; or

  3. the accounts do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a true and fair view which is not a matter considered as part of an independent examination.

I confirm that there are no other matters to which your attention should be drawn to enable a proper understanding of the accounts to be reached.

Mr PA Freeman BA FCA FCCA for and on behalf of Lawes & Co UK Limited

Boyce’s Building 40-42 Regent Street Clifton Bristol BS8 4HU

Dated: 26[th] April 2024

7

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Statement of financial activities

for the year ended 31 December 2023

(including income and expenditure account)

2023 2022
Restricted Unrestricted Total Total
Funds Funds
Note £ £ £ £
Income from:
Donations and legacies 2 37,500 80,087 117,587 107,775
Other trading activities 3 - 15,624 15,624 13,994
Investments 4 - 49,431 49,431 40,178
37,500 145,142 182,642 161,947
Expenditure on:
Charitable activities 6 39,915 171,383 211,298 190,731
Raising funds 7 - 24,074 24,074 24,842
39,915 195,457 235,372 215,573
Net income/(expenditure) (2,415) (50,315) (52,730) (53,626)
Other recognised gains/losses:
Gains/(losses) on investment assets:
Tangible fixed assets 11 - 80,550 80,550 -
Investment property - 246,926 246,926
Listed investments 12 - 57,784 57,784 (268,744)
Unlisted investments 12 - 57,394 57,394 131,759
Net movement in funds (2,415) 392,339 389,924 (190,611)
Reconciliation of funds:
Funds brought forward 51,391 4,192,753 4,244,144 4,434,755
Funds carried forward 48,976 4,585,092 4,634,068 4,244,144

The results for the year derive from continuing activities and there are no gains or losses other than those shown above.

8

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Balance sheet at 31 December 2023

Note
Fixed assets
Tangible assets
11
Investments
12
Current assets
Debtors
13
Cash at bank and in hand
Creditors
Amounts falling due within one year
14
Net current assets
Net assets
Represented by:
Restricted funds
15
Unrestricted funds
15
Designated Funds
General Funds
2023
2022
£
£
£
£
1,231,878
1,151,328
2,861,938
2,876,914


4,093,816
4,028,242
7,561
11,579
542,687
212,923


550,248
224,502
(9,996)
(8,600)


540,252
215,902


4,634,068
4,244,144


48,976
51,391
3,651,353
3,513,409
933,739
679,344


4,585,092
4,192,753


4,634,068
4,244,144

These financial statements were approved by the trustees on 23[rd] April 2024 and signed on its behalf by:

RP Kennedy President and Trustee

9

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes

(forming part of the financial statements)

1 Accounting policies

The following accounting policies have been applied consistently in dealing with items which are considered material in relation to the company’s financial statements.

Basis of preparation

The financial statements of the charity, which is a public benefit entity under FRS 102, have been prepared in accordance with the Charities SORP (FRS 102) “Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effective 1 January 2019)”, Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland’ and the Charities Act 2011. The financial statements have been prepared under the historical cost convention.

Income

All incoming resources are included on the Statement of Financial Activities when the charity is legally entitled to the income and the amount can be quantified with reasonable accuracy. The following specific policies are applied to particular categories of income:

Expenditure

Expenditure is accounted for on an accruals basis and has been classified under headings that aggregate all cost related to the category. Where costs cannot be directly attributed to particular headings they have been allocated to activities on a basis consistent with the use of resources. Expenditure includes any VAT which cannot be fully recovered, and is reported as part of the expenditure to which it relates:

10

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

Allocation and apportionment of costs

All costs are allocated between the expenditure categories of the Statement of Financial Activities on a basis designed to reflect the use of the resource. Costs relating to a particular activity are allocated directly; others are apportioned.

Tangible fixed assets

Fixed assets are stated at cost less accumulated depreciation. Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Computer Equipment: Straight line over 3 years.

Depreciation is not provided on freehold buildings as their estimated useful economic life exceeds 50 years, they are well maintained by a programme of continual repairs and improvements and their expected residual value exceeds cost. Having adopted this policy, the Society will carry out annual impairment reviews to ensure that any diminution in value is written off in the Statement of Financial Activities.

Assets with a value of less than £1,000 are not capitalised.

Listed investments

Listed and unlisted investments, and investment properties are included at market value at the balance sheet date.

Leased assets

Rentals in respect of operating leases are charged directly to the statement of financial activities in the period in which they fall due.

Taxation

The charity is exempt from tax on its charitable activities.

Revaluation gains

The revaluation gains shown in the Statement of Financial Activities include both realised and unrealised gains and losses.

Fund accounting

Unrestricted funds can be used in accordance with the charitable objectives at the discretion of the trustees. In addition to the elderly and needy of the Bristol area, such funds may be held in order to finance capital investment and working capital.

Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions arise when specified by the donor or when funds are raised for particular restricted purposes.

Designated funds are those which the charity may, at its discretion, set aside for a specific purpose which would otherwise form part of the general reserves of the organisation.

Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.

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The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

2 Donations and legacies

Donations
Restricted funds
Unrestricted funds

Other trading activities
Anchor Dinner
Rents
2023
£
37,500
80,087

117,587

2023
£
5,950
9,674

15,624
2022
£
27,300
80,475

107,775

2022
£
4,320
9,674

13,994

3 Other trading activities

4 Income from investments

Listed investments
Cash investment income
2023
£
43,865
5,566

49,431
2022
£
39,929
249

40,178

5 Analysis of expenditure by activity

Note
Grants made
to assist older
people
£
Support
costs
£
Grants to institutions
6
33,755
-
Grants to individuals
6
95,037
-
Expenditure on raising funds
7
-
24,074
Governance costs
8
-
82,506


128,792
106,580

Total
£
33,755
95,037
24,074
82,506

235,372

12

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

6 Expenditure on charitable activities

Grants to institutions:
Alive Activities
Bristol After Stroke
Bristol Music Trust
Southmead Development Trust
St Georges, Bristol
St Werburgh’s Community Association
The Anchor Society Ltd – Intergenerational Project
University of the West of England Robotics
– grant refund
Age UK Bristol – various projects
Grants to individuals
Governance costs
8
7
Expenditure on raising funds
Investment property costs
Investment management
Anchor dinner costs
2023
£
5,000
5,000
7,000
18,750
5,000
500
-
(7,495)
-

33,755
95,037
82,506

211,298

2023
£
1,705
16,843
5,526

24,074
2022
£
-
-
10,000
-
5,000
500
1,550
-
33,750

49,250
59,985
81,496

190,731

2022
£
2,917
17,727
4,198

24,842

13

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

8 Governance costs

Note
Staff costs
9
Premises
Printing, postage and office expenses
General insurances
Independent examiner’s remuneration
Legal and professional costs
Other costs

Staff costs
Wages and salaries
Social security costs
Pensions costs
Sundry
Average monthly number of employees
during the year
2023
£
61,748
9,146
7,049
1,677
2,400
-
486

82,506

2023
£
59,289
-
1,802
657

61,748

3
2022
£
57,939
9,074
7,673
1,644
2,340
1,575
1,251

81,493

2022
£
55,846
701
1,282
110

57,939

2

9 Staff costs

No employee received emoluments totalling more than £60,000 during the year.

10 Trustees’ remuneration and benefits

There were no trustees’ remuneration or other benefits for the year ended 31 December 2023 (2022: £Nil) and no trustees’ expenses were paid for either year.

14

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

11 Tangible fixed assets

1
Tangible fixed assets
Land and buildings
Cost
At 1 January and 31 December 2023
Revaluation
Depreciation
Net book value at 31 December 2023
£
1,151,328
80,550
-
1,231,878

The net book value of land and buildings comprise:

Freehold property
New Anchor House, Wells Road, Knowle, Bristol
Leasehold Property
Shared ownership – Coopers Close
£
929,778
302,100

1,231,878

New Anchor House is managed by the Guinness Trust.

The leasehold property at Coopers Close represents sheltered accommodation for the elderly. The current market value is based on the disposal value of a unit which was sold in April 2023.

15

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

12 Fixed asset investments

Net Book value at 1 January 2023
Additions
Disposals
Revaluations
Net book value at 31 December 2023
Land and
buildings
Listed
investments
Unlisted
investments
£
£
£
180,335
1,584,498
1,112,081
-
365,365
-
(130,335)
(365,184)
-
-
57,784
57,394


50,000
1,642,463
1,169,475
Total
£
2,876,914
365,365
(495,519)
115,178
2,861,938

Land and buildings

The net book value of land and buildings comprise:

£
Freehold property
Land at Home Farm, Yate 50,000

The buildings at Home Farm were previously sold and the Trustees consider the net book value reflects the current market value of the remaining land.

Listed investments

The book cost of investments is £1,470,666. There are no investment assets outside the UK.

Unlisted investments

These comprise two loans of £300,000 each made to The Guinness Trust for the purpose of providing very sheltered housing.

The loans are repayable in 80 years from payment in May 2084 and February 2087 respectively. They will be repayable earlier in the following circumstances:

The value of the loans has been adjusted in line with the retail price index to recognise the change in value during the year in accordance with the loan agreement. The revaluation is recognised in the Statement of Financial Activities.

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The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

13 Debtors falling due within one year

Prepayments
Gift Aid tax repayment
Sundry debtors
4
Creditors falling due within
Creditors
Accruals
Social security and other tax
5
Movement in funds
At 1 January 2023
Net movement in funds
At 31 December 2023
one year
Restricted
Funds
Designated
Funds
£
£
51,391
3,513,409
(2,415)
137,944

48,976
3,651,353
2023
£
1,092
5,619
850

7,561

2023
£
1,738
7,538
720

9,996

General
Funds
£
679,344
254,395

933,739
2022
£
1,555
6,324
3,700

11,579

2022
£
940
6,825
835

8,600

Total
£
4,244,144
389,924

4,634,068

14 Creditors falling due within one year

15 Movement in funds

Net movement in funds, included in the above are as follows:

Income
Expenditure
Gains and losses
Net movement in funds
Restricted
Funds
Designated
Funds
£
£
37,500
-
(39,915)
-
-
137,944

(2,415)
137,944
General
Funds
£
145,142
(195,457)
304,710

254,395
Total
£
182,642
(235,372)
442,654

389,924

17

The Anchor Society CIO Trustees’ report and financial statements 31 December 2023

Notes (continued)

Designated funds are those which the charity may, at its discretion, set aside for a specific purpose which would otherwise form part of the general reserves of the organisation. Specifically, the charity sets aside funds which represent the investment made in freehold and leasehold property, fixed assets for use by the charity and long-term loans to other charities for the provision of services to older persons in Bristol and the surrounding area. In addition, specific substantial legacies are designated funds.

Restricted funds are donations that have been received by the Society for specific purposes:

Brought Income Expenditure Carried
forward forward
£ £ £ £
Intergenerational developments 27,032 - - 27,032
Small grants 16,503 27,500 30,742 13,261
Boiler replacement 6,856 10,000 8,173 8,683
Black and minority communities 1,000
-
1,000
-
Total restricted funds 51,391
37,500
39,915
48,976

Restricted funds are held in a separate bank account.

16 Related party transactions

During the year, the following relevant transactions occurred:

18